Protect the health
of your employees
About
Work with peace of mind
Health insurance is an insurance that covers the whole or a part of the risk of a person incurring medical expenses, spreading the risk over numerous persons.
By estimating the overall risk of health risk and health system expenses over the risk pool, an insurer can develop a routine finance structure,
such as a monthly premium or payroll tax, to provide the money to pay for the health care benefits specified in the insurance agreement.
EMPLOYEE ELIGIBILITY CRITERIA
Be between 18 and 65 years old at the time of registration.
Widthrawal periods
Widthrawal periods
This is the period between the beginning of the Insurance's entry into force and the date from which you can enjoy certain Coverages and Benefits. The following grace periods will apply:
- Outpatient: 07 days of grace period for new inclusions;
- 06 MONTHS: Expenses related to prostheses, dental and ophthalmological treatments;
- 12 MONTHS: Expenses related to pregnancy and childbirth, preventive medicine, HIV, medical check-up, psychiatric hospitalization and hormone replacement therapy;
- 24 MONTHS: Expenses related to the treatment of orthodontics, teeth whitening.
Agreement movement rules
An essential health coverage
Any inclusion movement can only happen on the 1st of each month
Inclusion movements before the 15th, we consider the 1st day of this month and after the 15th, we consider the 1st day of the next month;
If the Principal Insured excludes dependents, he can only include another in the renewal (except newborns);
We do not accept inclusions and exclusions with a retroactive date, the customer must request 2 working days before the corresponding date;
Excluded policyholders cannot be included during the term of the policy without the company sending a justification for reinclusion;
In case of exclusion, there will be no refund if the client / insured has consumed his health insurance;
In the event of exclusion in which the customer / insured has not made any consumption, the insurer will reimburse 50% of the premium purchased;
The reimbursement of premiums will take place after the return of health cards;
There will be no premium chargeback for evacuation coverage